What is covered with Marmalade black box insurance?
Our black box insurance covers young drivers aged 17-30 as the main driver of their own
car. For drivers aged 17-21, all we ask is that a parent or guardian is added as a named
driver.
We provide comprehensive cover for full and provisional licence holders on cars up to 25
years old in most UK postcodes, excluding Northern Ireland.
What’s included in your cover?
Legal liability for death or injury to any other person, including passengers:
Legal liability for damage to other people’s property up to £20,000,000:
Damage to your vehicle:
Windscreen repair/ replacement:
Personal accident benefits - For the driver or their spouse for death or loss of limbs/sight up to age 69:
Up to £5,000
Medical expenses:
Up to £200 per person, up to £200 per domestic pet (max 2) and £30 per day for up to 30 days stay in hospital if required
Personal belongings:
Up to £300
Foreign use:
Minimum cover throughout Europe and travel by land, sea or air to those countries
This summary does not describe all the Ts&Cs of your policy, so please take time to read the Insurance Policy Booklet to so that you understand the cover it provides.
Policy Excess 
Compulsory excess:
up to £350
Voluntary excess:
up to £500
Windscreen excess:
up to £75 using approved repairer (£100 using an alternative repairer)
Cancelling your policy
Cancelling within the first 6 months
Cancelling after 6 months
We hope you’ll stick with Marmalade, but if you decide to leave us within 6 months of the policy start date, here’s what to expect:
- If you cancel your policy within 6 months of the policy start date, the cancellation charge will be £88.13. This includes the insurer charge, of £25 + 12% IPT, and a Marmalade charge of £60
- The same charges apply if you cancel your policy within the 14-day cooling off period.
- In the event of a claim being made, regardless of when the policy is cancelled, the full insurance premium is payable and there will be no refund given.
- If Marmalade or our underwriters cancel the policy, we will refund the part of the initial premium, payable by you, and the cancellation fees shown above will only apply if you have not adhered to the conditions of the policy.
- If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
We’d be sad to see you go but if you decide to leave us after 6 months from the policy start date, here’s what to expect:
- If you cancel your policy £28.13 will be payable to the insurer (this includes a £25 cancellation fee plus 12% IPT).
- In the event of a claim being made, regardless of when the policy is cancelled, the full insurance premium is payable and there will be no refund given.
- If Marmalade or our underwriters cancel the policy, we will refund the part of the initial premium, payable by you, and the cancellation fees shown above will only apply if you have not adhered to the conditions of the policy.
- If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
Other fees and charges
Making changes to your policy
Replacing the telematics tag
- If you make changes to the policy during the policy term, we will charge up to £15 to make a mid-term adjustment.
- At the time you contact us to make the change, we’ll let you know the total price to be paid, including any fees, taxes and charges separately from the premium, so that you know the full breakdown before any changes are completed.
- If the telematics tag is faulty we will replace this free of charge.
- If you have requested and received a new tag and your original tag is not faulty a charge of £60 is payable for the new device.
- If you tamper with or damage your device £60 will be payable to replace the device.
Why insure with us
Just for young drivers
Instant online cover
Drive 24/7 with no curfews
Cover before & after you pass
See how much you can save with Black Box Insurance
Enjoy instant comprehensive cover and feel the freedom of the open road with no curfews!
